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Personal financial planning topics

Resources on regulation, practice development, investments, pensions, retirement planning, estate planning, wills and probate, and property.
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Regulation

PERSONAL FINANCIAL PLANNING COMMUNITY Regulation deconstructed
  • 21 Jan 2019
  • Personal Financial Planning Community
The guide explains how the FCA regulates financial & investment advisers, including an explanation of the differences between Independent and Restricted financial advice firms.
ICAEW DPB Licence
Making practical uses of your DPB Licence
What’s on your radar? Practice issues you need to know about
  • 15 Apr 2020
  • ICAEW
This webinar will alert you to changes in laws, regulations and best practice that you need to know about, and will provide a concise overview of what is happening in each featured field.
A round-up of the 2019 Autumn budget from PruAdviser
The Government's plan is to build a stronger, more prosperous economy, building on the recent Spring Statement and last year’s Budget. Prudential’s Technical Managers have analysed the Budget and summarised what it means for you.
PERSONAL FINANCIAL PLANNING COMMUNITY Designated Professional Body (Investment Business) licence
  • 14 Apr 2011
  • Personal Financial Planning Community
Find out how you can enhance the services you already offer your clients with a Designated Professional Body (Investment Business) licence. This section explains what regulated investment business is, who is regulated, and how your firm can apply for a DPB (Investment Business) licence.
Exclusive TECHNICAL ADVISORY SERVICES Introductions to financial advisers
  • 19 Feb 2020
  • Ethics Advisory Service
Helpsheet explaining regulations surrounding making introductions to financial advisers and the scope of the Financial Services and Markets Act 2000.
Exclusive Personal Financial Planning Regulation Resources relating to Personal Financial Planning regulation.
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Practice development

PERSONAL FINANCIAL PLANNING COMMUNITY Risk in times of uncertainty - A guide to Cyber and PII
  • 11 Aug 2020
  • Personal Financial Planning Community
This is an insightful, relevant and practical webinar on the current state of the cyber and professional indemnity insurance markets, the risks you need to be aware of as an accountant.
ICAEW DPB Licence
Making practical uses of your DPB Licence
What’s on your radar? Practice issues you need to know about
  • 15 Apr 2020
  • ICAEW
This webinar will alert you to changes in laws, regulations and best practice that you need to know about, and will provide a concise overview of what is happening in each featured field.
Lifetime wealth planning guide
Unlocking opportunity - delivering personal financial planning through collaboration.
PERSONAL FINANCIAL PLANNING COMMUNITY Fit For The Future
  • 20 Apr 2016
  • Richard Bertin
The culture of personal financial responsibility is strong in the US and is moving that way in the UK. Richard Bertin reports on this year’s AICPA conference
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Investment

PERSONAL FINANCIAL PLANNING COMMUNITY Financial planning steps through your 30s and 40s
  • 24 Sep 2020
  • Personal Financial Planning Community
The aim of this webinar is to help those building their careers and those in the “accumulation phase” of life to make sensible financial planning decisions at a time when personal financial resources are often quite stretched.
WealthCare: Generating long-term sustainable income for your retirement
  • 09 Sep 2020
  • ICAEW
Iain Barnes and Sam Pitts-Tucker from Netwealth discuss generating long-term sustainable income for your retirement, followed by a Q&A session.
PERSONAL FINANCIAL PLANNING COMMUNITY Part 1 WealthCare: Tilney - Time to Talk: Talking investing through a crisis
  • 09 Sep 2021
  • ICAEW
Learn about financial planning and investing. What Government announcement could mean for markets and the challenges and opportunities investors face.
PERSONAL FINANCIAL PLANNING COMMUNITY Managing your investments and savings during a period of uncertainty
  • 11 May 2020
  • Personal Financial Planning Community
In this webinar, ICAEW and Netwealth explored how to help protect your savings and investments in disruptive market environments.
PERSONAL FINANCIAL PLANNING COMMUNITY Maintaining income amid market turmoil
  • 22 Apr 2020
  • PDF (2,106kb)
  • Personal Financial Planning Community
Presentations slides from our webinar which focused on strategies for dealing with clients in drawdown, or about to enter drawdown
PERSONAL FINANCIAL PLANNING COMMUNITY COVID-19: should borrowers go on a "Mortgage Holiday"?
  • 06 Apr 2020
  • PDF (262kb)
  • Kinnison Property Finance Experts
Banks are under increasing pressure to make changes to technology systems and re-direct their work force to assist borrowers who find themselves in financial difficulty. Guidance from Kinnison: Property Finance Experts.
PERSONAL FINANCIAL PLANNING COMMUNITY Property expert shares housing advice for landlords and tenants during the coronavirus (COVID-19) crisis
  • 30 Mar 2020
  • Personal Financial Planning Community
ICAEW interviewed Kate Faulkner, a leading independent property expert, on how coronavirus (COVID-19) will impact the housing market and what support is available for landlords and tenants.
PERSONAL FINANCIAL PLANNING COMMUNITY Step on or step up the property ladder
  • 24 Mar 2020
  • Personal Financial Planning Community
Members in practice, financial advisory, business and all of us in our private lives are impacted by decisions around mortgages. Jatin Patel (JP), Founding Partner in Kinnison Limited, unwraps the property market.
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Pensions and Retirement Planning

PERSONAL FINANCIAL PLANNING COMMUNITY Freedom and choice in pensions
  • 04 Nov 2021
  • PDF (728kb)
  • Personal Financial Planning Community
This technical guide provides detailed information on the rules and regulations for Pension Freedoms. The guide has been designed to help professionals get-to-grips with this complicated and increasingly important area.
PERSONAL FINANCIAL PLANNING COMMUNITY Wealthcare: Personal Financial Planning Steps through your 30s and 40s
  • 24 Sep 2020
  • ICAEW
This webinar serves as a helpful introduction to thinking about your financial planning, understanding your needs and opportunities at this stage of life and protecting your family and liabilities.
PERSONAL FINANCIAL PLANNING COMMUNITY Maintaining income amid market turmoil
  • 22 Apr 2020
  • PDF (2,106kb)
  • Personal Financial Planning Community
Presentations slides from our webinar which focused on strategies for dealing with clients in drawdown, or about to enter drawdown
Pension Funding and the approach to retirement
  • 01 Nov 2018
In this webinar we help you get-to-grips with the complexities of the pensions regime prior to and whilst drawing benefits
Providing for your retirement: buy–to–let property or pension
Following changes to the tax treatment of buy-to-let property and with Brexit fast approaching we consider the outlook for buy-to-let property and consider the pros and cons of property vs. pensions.
Retirement Planning Navigating the Annual and Lifetime Allowances
Changes to pension legislation, the constraints of both Annual and Lifetime Allowances as well as rising inflation and longevity are make saving for retirement increasingly difficult. In this webinar, we explain how prudent planning can help.
PERSONAL FINANCIAL PLANNING COMMUNITY Will I have enough for my retirement?
  • 28 Mar 2019
  • Personal Financial Planning Community
Investing in your retirement gives you the peace of mind that you are going to be comfortable in your later years. There are a number of models you can choose to help you control your planning and funding ahead of your retirement. This webinar will walk you through these options and provide more ways you can extend the value of your retirement pot.
Lifetime allowance and annual allowance planning for the high net worth client
Guidance from Prudential on what to consider in relation to the Lifetime Allowance and Annual Allowance to see if pension saving is still right for high net worth clients.
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Wills, Probate & Estate Planning

PERSONAL FINANCIAL PLANNING COMMUNITY Future practitioner probate workshop
  • 06 Jun 2018
  • Personal Financial Planning Community
Slides from 'The Future Practitioner - Probate Workshop' which was held on 22 May 2018.
BUSINESS LAW Probate services
  • 29 Apr 2015
  • Business Law
ICAEW is an approved regulator and licensing authority for probate services. This enables us to accredit firms to offer probate services to their clients. Here we explain the benefits of accreditation and the application process, provide support for accredited firms and also information for consumers including a register of ICAEW accredited for probate firms.
PERSONAL FINANCIAL PLANNING COMMUNITY Modernising intestacy rules
  • 08 Apr 2015
  • Jane Netting
Spouses and civil partners are set to benefit from changes in the rules of intestacy. Jane Netting explains the practical implications of dying without a will.

Property

Why the mortgage market may now be out of reach for many
  • 10 Jul 2023
  • ICAEW Insights
With Bank of England base rates predicted to reach as high as 7% by the end of the year, millions of Britons are scrambling to find affordable mortgage refinancing
Covid-19 Wealthcare Update: Property advice series Part III
  • 01 Jul 2020
  • ICAEW
In this instalment John Gaskell, ICAEW Head of Personal Financial Planning, interviewed industry experts Kate Faulkner and Jatin Patel on the implications that Covid-19 may have for landlords and renters.
PERSONAL FINANCIAL PLANNING COMMUNITY Covid-19 WealthCare update: Property series part II
  • 17 Jun 2020
  • ICAEW
In this second part of our WealthCare series we focus on 2nd steppers, self-employed/partners and later life mortgages. Facilitated by John Gaskell, Head of Personal Financial Planning, ICAEW. In association with Kinnison.
Covid-19 WealthCare Update: Property series Part I
  • 09 Jun 2020
  • Personal Financial Planning Community
In part one of the WealthCare Update series, John Gaskell, ICAEW Head of Personal Financial Planning, interviewed industry experts Kate Faulkner and Jatin Patel on the implications Covid-19 may have for first-time buyers and those that are looking to step-up or step-down the property ladder.
Exclusive PERSONAL FINANCIAL PLANNING COMMUNITY WealthCare - COVID-19
  • 15 Apr 2020
  • Personal Financial Planning Community
Resources on WealthCare to support you and your clients during the coronavirus (COVID-19) crisis, including advice on mortgage holidays and advice for tenants and landlords.
Exclusive PERSONAL FINANCIAL PLANNING COMMUNITY WealthCare - COVID-19
  • 15 Apr 2020
  • Personal Financial Planning Community
Resources on WealthCare to support you and your clients during the coronavirus (COVID-19) crisis, including advice on mortgage holidays and advice for tenants and landlords.
Exclusive PERSONAL FINANCIAL PLANNING COMMUNITY WealthCare - COVID-19
  • 15 Apr 2020
  • Personal Financial Planning Community
Resources on WealthCare to support you and your clients during the coronavirus (COVID-19) crisis, including advice on mortgage holidays and advice for tenants and landlords.
PERSONAL FINANCIAL PLANNING COMMUNITY Mortgage Market Update - COVID-19 Self-Employed and Partners (ICAEW)
  • 06 Apr 2020
  • PDF (238kb)
  • Kinnison Property Finance Experts
For the self-employed/partners either with an existing mortgage looking to remortgage or those purchasing a new home, the big question is, how will lenders review their position and assess their affordability?
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Industry press

The ICAEW Library & Information Service provides a hand-picked collection of industry press articles as a benefit of ICAEW membership. If you are unable to access an article, please see our Online resources troubleshooting or contact library@icaew.com.

Exclusive How the FIRE movement keeps burning in a tough economy
  • Article
  • 29 Aug 2023
  • Nathan Place
Even in a challenging economy, millions of Americans still strive for FIRE - 'financial independence, retire early'. But to keep their dream alive, they've had to change it. Instead of the early retirement part of FIRE, many are focusing on more flexible work arrangements that allow time for home life and hobbies.
Exclusive UK home sellers cut asking prices for first time this year
  • Article
  • 17 Jul 2023
  • Jill Namatsi
UK property sellers cut their asking prices for the first time this year, an indication that a sharp jump in borrowing costs is cutting into what buyers can afford. The figures confirm a trend toward lower prices reported by mortgage lenders, suggesting that home sellers are beginning to lower their expectations for how much they can get.
Exclusive UK master trusts looking to add collective DC
  • Article
  • 08 May 2023
  • Paulina Pielichata
Some UK defined contribution multiemployer pension plans could soon be able to help workers secure lifetime income, as the UK government mulls introducing collective defined contribution (CDC) options for master trusts.
Exclusive Shift to cheaper homes holds answer to diverging UK house prices
  • Article
  • 20 Apr 2023
  • Lucy White
Britain's two main mortgage lenders, Halifax and Nationwide, have been calling house prices in opposing directions since the start of 2023, leaving economists to wonder whether the real estate market is going up or down. Spokespeople for both lenders have pointed out there are various differences in their methodologies which may influence the results. The answer to the riddle appears to be that buyers are shifting their purchases toward cheaper properties.
Exclusive UK banks to curb mortgage supply as loan defaults rise
  • Article
  • 13 Apr 2023
  • Tom Rees
British banks expect to curtail the availability of mortgages in the coming months after signs emerged of business and household loan defaults picking up. Default rates on mortgages, unsecured credit to households and loans to small and medium-sized businesses all rose in the first quarter of 2023 and are expected to increase further.
Exclusive UK house prices fall for second month as loan costs bite
  • Article
  • 22 Mar 2023
  • Philip Aldrick
UK house prices fell at the fastest pace in 12 years in January 2023 (barring the pandemic), as higher mortgage costs piled further pressure on the housing market, official Land Registry figures showed. Meanwhile private renters are being hit hard by average rents rising at the fastest pace since records began in 2016.
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